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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 8.60
HAFC's Cash to Debt is ranked higher than
64% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. HAFC: 8.60 )
Ranked among companies with meaningful Cash to Debt only.
HAFC' s 10-Year Cash to Debt Range
Min: 0.12  Med: 1.17 Max: No Debt
Current: 8.6
Equity to Asset 0.11
HAFC's Equity to Asset is ranked higher than
58% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HAFC: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
HAFC' s 10-Year Equity to Asset Range
Min: 0.03  Med: 0.09 Max: 0.14
Current: 0.11
0.03
0.14
Interest Coverage 5.17
HAFC's Interest Coverage is ranked higher than
81% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. HAFC: 5.17 )
Ranked among companies with meaningful Interest Coverage only.
HAFC' s 10-Year Interest Coverage Range
Min: 0.83  Med: 1.37 Max: 5.17
Current: 5.17
0.83
5.17
F-Score: 4
WACC vs ROIC
5.93%
13.31%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 40.30
HAFC's Operating margin (%) is ranked higher than
73% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. HAFC: 40.30 )
Ranked among companies with meaningful Operating margin (%) only.
HAFC' s 10-Year Operating margin (%) Range
Min: -115.05  Med: 42.64 Max: 55.96
Current: 40.3
-115.05
55.96
Net-margin (%) 27.74
HAFC's Net-margin (%) is ranked higher than
69% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. HAFC: 27.74 )
Ranked among companies with meaningful Net-margin (%) only.
HAFC' s 10-Year Net-margin (%) Range
Min: -91.7  Med: 26.73 Max: 71.8
Current: 27.74
-91.7
71.8
ROE (%) 11.33
HAFC's ROE (%) is ranked higher than
71% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. HAFC: 11.33 )
Ranked among companies with meaningful ROE (%) only.
HAFC' s 10-Year ROE (%) Range
Min: -59.12  Med: 13.61 Max: 27.22
Current: 11.33
-59.12
27.22
ROA (%) 1.33
HAFC's ROA (%) is ranked higher than
78% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. HAFC: 1.33 )
Ranked among companies with meaningful ROA (%) only.
HAFC' s 10-Year ROA (%) Range
Min: -3.47  Med: 1.34 Max: 3.21
Current: 1.33
-3.47
3.21
ROC (Joel Greenblatt) (%) 299.18
HAFC's ROC (Joel Greenblatt) (%) is ranked higher than
84% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. HAFC: 299.18 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
HAFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -771.66  Med: 324.43 Max: 786.69
Current: 299.18
-771.66
786.69
Revenue Growth (3Y)(%) -5.40
HAFC's Revenue Growth (3Y)(%) is ranked lower than
78% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. HAFC: -5.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HAFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -43.8  Med: 2.50 Max: 12.9
Current: -5.4
-43.8
12.9
EBITDA Growth (3Y)(%) 18.70
HAFC's EBITDA Growth (3Y)(%) is ranked higher than
76% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. HAFC: 18.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HAFC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 1.7  Med: 14.40 Max: 27.8
Current: 18.7
1.7
27.8
EPS Growth (3Y)(%) 4.40
HAFC's EPS Growth (3Y)(%) is ranked lower than
63% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. HAFC: 4.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HAFC' s 10-Year EPS Growth (3Y)(%) Range
Min: -9.8  Med: 8.60 Max: 25.4
Current: 4.4
-9.8
25.4
» HAFC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

HAFC Guru Trades in Q2 2014

James Barrow 1,944,845 sh (+26.54%)
Jim Simons 1,032,494 sh (+1.92%)
» More
Q3 2014

HAFC Guru Trades in Q3 2014

Jim Simons 1,008,085 sh (-2.36%)
James Barrow 1,889,415 sh (-2.85%)
» More
Q4 2014

HAFC Guru Trades in Q4 2014

James Barrow 1,832,065 sh (unchged)
Jim Simons 978,357 sh (-2.95%)
James Barrow 1,832,065 sh (-3.04%)
» More
Q1 2015

HAFC Guru Trades in Q1 2015

Paul Tudor Jones 11,500 sh (New)
Jim Simons 1,189,185 sh (+21.55%)
James Barrow 1,829,965 sh (-0.11%)
» More
» Details

Insider Trades

Latest Guru Trades with HAFC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.29
HAFC's P/E(ttm) is ranked lower than
65% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. HAFC: 16.29 )
Ranked among companies with meaningful P/E(ttm) only.
HAFC' s 10-Year P/E(ttm) Range
Min: 3.77  Med: 14.82 Max: 34.21
Current: 16.29
3.77
34.21
Forward P/E 15.17
HAFC's Forward P/E is ranked lower than
79% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. HAFC: 15.17 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.40
HAFC's PE(NRI) is ranked lower than
64% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. HAFC: 16.40 )
Ranked among companies with meaningful PE(NRI) only.
HAFC' s 10-Year PE(NRI) Range
Min: 3.77  Med: 14.87 Max: 33.07
Current: 16.4
3.77
33.07
P/B 1.73
HAFC's P/B is ranked lower than
84% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HAFC: 1.73 )
Ranked among companies with meaningful P/B only.
HAFC' s 10-Year P/B Range
Min: 0.15  Med: 1.32 Max: 2.39
Current: 1.73
0.15
2.39
P/S 4.49
HAFC's P/S is ranked lower than
77% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. HAFC: 4.49 )
Ranked among companies with meaningful P/S only.
HAFC' s 10-Year P/S Range
Min: 0.25  Med: 3.73 Max: 6.41
Current: 4.49
0.25
6.41
EV-to-EBIT 9.03
HAFC's EV-to-EBIT is ranked higher than
74% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. HAFC: 9.03 )
Ranked among companies with meaningful EV-to-EBIT only.
HAFC' s 10-Year EV-to-EBIT Range
Min: -25  Med: 7.90 Max: 21.6
Current: 9.03
-25
21.6
Days Sales Outstanding 194.63
HAFC's Days Sales Outstanding is ranked lower than
87% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. HAFC: 194.63 )
Ranked among companies with meaningful Days Sales Outstanding only.
HAFC' s 10-Year Days Sales Outstanding Range
Min: 26.94  Med: 36.03 Max: 180.79
Current: 194.63
26.94
180.79

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.42
HAFC's Dividend Yield is ranked lower than
78% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. HAFC: 1.42 )
Ranked among companies with meaningful Dividend Yield only.
HAFC' s 10-Year Dividend Yield Range
Min: 0.34  Med: 1.28 Max: 7.63
Current: 1.42
0.34
7.63
Dividend Payout 0.20
HAFC's Dividend Payout is ranked higher than
75% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. HAFC: 0.20 )
Ranked among companies with meaningful Dividend Payout only.
HAFC' s 10-Year Dividend Payout Range
Min: 0.16  Med: 0.21 Max: 1
Current: 0.2
0.16
1
Yield on cost (5-Year) 1.41
HAFC's Yield on cost (5-Year) is ranked lower than
79% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. HAFC: 1.41 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HAFC' s 10-Year Yield on cost (5-Year) Range
Min: 0.34  Med: 1.28 Max: 7.63
Current: 1.41
0.34
7.63
Share Buyback Rate -16.10
HAFC's Share Buyback Rate is ranked lower than
84% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. HAFC: -16.10 )
Ranked among companies with meaningful Share Buyback Rate only.
HAFC' s 10-Year Share Buyback Rate Range
Min: 2.8  Med: -16.10 Max: -74.4
Current: -16.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.73
HAFC's Price/Tangible Book is ranked lower than
76% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. HAFC: 1.73 )
Ranked among companies with meaningful Price/Tangible Book only.
HAFC' s 10-Year Price/Tangible Book Range
Min: 0.23  Med: 1.58 Max: 4.93
Current: 1.73
0.23
4.93
Price/Projected FCF 0.72
HAFC's Price/Projected FCF is ranked lower than
55% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. HAFC: 0.72 )
Ranked among companies with meaningful Price/Projected FCF only.
HAFC' s 10-Year Price/Projected FCF Range
Min: 0.07  Med: 0.40 Max: 1.64
Current: 0.72
0.07
1.64
Price/Median PS Value 1.21
HAFC's Price/Median PS Value is ranked lower than
67% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. HAFC: 1.21 )
Ranked among companies with meaningful Price/Median PS Value only.
HAFC' s 10-Year Price/Median PS Value Range
Min: 0.1  Med: 0.99 Max: 1.62
Current: 1.21
0.1
1.62
Price/Peter Lynch Fair Value 0.11
HAFC's Price/Peter Lynch Fair Value is ranked lower than
630% of the 358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. HAFC: 0.11 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HAFC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.53  Med: 0.63 Max: 0.99
Current: 0.11
0.53
0.99
Price/Graham Number 1.11
HAFC's Price/Graham Number is ranked lower than
73% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. HAFC: 1.11 )
Ranked among companies with meaningful Price/Graham Number only.
HAFC' s 10-Year Price/Graham Number Range
Min: 0.35  Med: 1.07 Max: 2.53
Current: 1.11
0.35
2.53
Earnings Yield (Greenblatt) (%) 11.07
HAFC's Earnings Yield (Greenblatt) (%) is ranked higher than
76% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. HAFC: 11.07 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HAFC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.6  Med: 10.60 Max: 1889.6
Current: 11.07
4.6
1889.6
Forward Rate of Return (Yacktman) (%) 52.69
HAFC's Forward Rate of Return (Yacktman) (%) is ranked higher than
91% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. HAFC: 52.69 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HAFC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 10.7  Med: 55.90 Max: 207.5
Current: 52.69
10.7
207.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:HF7N.Germany,
Hanmi Financial Corp is a Delaware corporation incorporated on March 14, 2000 to be the holding company for Hanmi Bank "Bank". The Company, together with its subsidiary, is a community bank conducting general business banking, with its primary market encompassing the Korean-American community as well as other communities in the multi-ethnic populations of Los Angeles County, Orange County, San Bernardino County, San Diego County, the San Francisco Bay area, and the Silicon Valley area in Santa Clara County. It offers a complete line of insurance products, including life, commercial, automobile, health, and property and casualty. The Bank provides its banking services through its branch network to a variety of small- to medium-sized businesses. The Bank's lending activities include real estate loans "commercial property, construction and residential property", commercial and industrial loans "commercial term loans, commercial lines of credit, SBA loans and international trade finance", and consumer loans. The Bank offers commercial real estate loans, which are usually collateralized by first deeds of trust. Its commercial real estate loans are secured by investor-owned commercial buildings and owner-occupied commercial and industrial buildings. The Bank finances the construction of multifamily, low-income housing, commercial and industrial properties within its market area. The Bank offers term loans for a variety of needs, including loans for working capital, purchases of equipment, machinery or inventory, business acquisitions, renovation of facilities, and refinancing of existing business-related debts. The Bank also offers a traditional of deposit products, including non-interest bearing checking accounts, interest bearing checking and savings accounts, negotiable order of withdrawal accounts, money market accounts and certificates of deposit. The company competes for loans, deposits and customers with other commercial banks, savings institutions, securities and brokerage companies, mortgage companies, real estate investment trusts, insurance companies, finance companies, money market funds, credit unions and other non-bank financial service providers. The Company is subject to government regulations that could limit or restrict its activities, which in turn could adversely affect its operations.
» More Articles for HAFC

Headlines

Articles On GuruFocus.com
Weekly CEO Buys Highlight: OPK, LJPC, SFNC, HAFC, TUBE Jul 28 2014 
Weekly CEO Buys Highlight: HAFC, IESC Sep 30 2013 
Four CEOs Reporting Over $100,000 Insider Buys Sep 17 2013 
Weekly CEO Buys Highlight: KMI, GBDC, HAFC, BPFH, MTDR Sep 16 2013 
Weekly CEO Buys Highlight: RCL, PSXP, ALXA, PAY, HAFC Aug 05 2013 
Weekly CFO Buys Highlight: BWEN, ENZ, PIP, HAFC, AACC Nov 21 2011 
Hanmi Financial Corp. Reports Operating Results (10-K/A) Jun 03 2010 
Hanmi Financial Corporation Reports Second-Quarter 2009 Financial Results Aug 06 2009 
Hanmi Financial Corporation Reports Fourth-Quarter and Fiscal Year 2008 Financial Results Jan 29 2009 

More From Other Websites
Edited Transcript of HAFC earnings conference call or presentation 23-Jul-15 8:00pm GMT Jul 27 2015
Hanmi Financial beats Street 2Q forecasts Jul 23 2015
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Hanmi Reports Strong 2015 Second Quarter Results Jul 23 2015
Q2 2015 Hanmi Financial Corp Earnings Release - Before Market Open Jul 23 2015
Hanmi Financial Corp. to Present at KBW 2015 Community Bank Investor Conference on July 28 and 29 Jul 09 2015
Hanmi Financial Corp. to Present at KBW 2015 Community Bank Investor Conference on July 28 and 29 Jul 09 2015
Hanmi Financial Announces Second Quarter 2015 Conference Call and Webcast Jul 08 2015
Hanmi Financial Announces Second Quarter 2015 Conference Call and Webcast Jul 08 2015
Hanmi Bank Announces New Healthcare Banking Group Jun 30 2015
Hanmi Bank Announces New Healthcare Banking Group Jun 30 2015
Hanmi Bank Unveils New Corporate Logo Jun 29 2015
Hanmi Bank Unveils New Corporate Logo Jun 29 2015
Coverage initiated on Hanmi Financial by Piper Jaffray Jun 12 2015
Hanmi Financial Declares Cash Dividend of $0.11 Per Share Jun 10 2015
HANMI FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 10 2015
Hanmi Financial Declares Cash Dividend of $0.11 Per Share Jun 10 2015
Hanmi Financial Corp. Appoints Romolo Santarosa as Senior Executive Vice President, Corporate... Jun 08 2015

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